AI tools for mortgage teams

Guide · Updated Oct 31, 2026 · Prices checked against each vendor's own site.

A mortgage team is a loan officer plus a processor and an assistant, and sometimes a second LO, buying together under one producer's name. 36 of the 69 tools in this directory are sold to mortgage teams: they name mortgage teams among their buyers or are sold to all mortgage pros. The team list has two features the solo list does not: per-seat prices and team plans, and a processor's shelf of document and condition tools. This guide walks the team's pipeline from the lead to the compliance line. Every price was read on the vendor's own site on October 31, 2026; tools without a posted price are quote-based.

The lead

Structurely, now co-branded 21X, sells one workflow for mortgage teams: the AI calls and texts the lead, qualifies purpose, timeline, loan amount and credit range, books the callback and live-transfers the borrower to the LO. The platform fee is quote-based, with usage posted from $0.07/minute voice (BYOC), $0.02/message SMS and $0.02/AI email; Follow Up Boss, Bonzo and Velocify are named, A2P registration is named on the pricing page, and the vendor says conversation data is not used to train AI outside its platform. Empower LO posts Teams from $497/mo, with the Scale plan at $297/mo + $300 setup, and its AI Conversations feature books time on the LO's calendar; no TCPA or data statement is posted, so ask before you buy.

The phone

Five receptionist platforms name teams. Pitchit posts a free plan, Starter $149/mo (400 conversations), Growth $349/mo (1,000) and Pro $599/mo (2,000), names Jungo and Total Expert, and posts SOC 2 Type II and a TCPA statement. Ringlyn posts $49/mo (2 agents, 50 min included, $0.20/minute) + $7/mo phone number, with a 7-day free trial and consent tracking, do-not-call handling and calling windows described on its lending page. Bland posts $0 platform fee + $0.14/minute or Build at $299/mo + $0.12/minute, with SOC 2 Type II and ISO 27001 posted. Thoughtly is built for lending operations teams with LO-territory routing, quote-based, with Encompass and Total Expert named and recorded TCPA consent described. Synthflow is quote-based on an annual agreement.

The CRM, by the seat

Seat pricing is where a team's math starts. BNTouch posts $165/mo for a single user and $95/user/mo for 2–10 users, month to month, with MAIA included for every seat and Encompass, Calyx Point, BytePro, MeridianLink and LendingPad named for LOS sync. LoanOfficer.ai posts $197/mo (2 seats) + $299 one-time setup, Team $397/mo (5 seats) and Brokerage $697/mo (10 seats), with the AI Receptionist bundled in and a posted TCPA statement. LeadMailbox posts $50/seat/mo (Professional) and $75/seat/mo (Pro Plus) with no annual contract. Bonzo posts $150/seat/mo (Solo), with team and enterprise packages priced through sales, and is built for loan officers, processors and their referral partners. Total Expert, Aidium and Insellerate are quote-based lender platforms; Total Expert posts SOC 2 and ISO 27001, Aidium posts SOC 2 badges, and Insellerate posts no TCPA or data statement.

The pricing and the guidelines

MortgageCoach posts $150/user/mo on the Individual plan, and its Enterprise plan for 5+ users is custom-priced and adds branch support and the Encompass, SFTP and Zapier connections; it names BNTouch, Jungo, Total Expert, Optimal Blue, Polly and Homebot and posts AICPA SOC 2 compliance. Lender Price lists mortgage teams for its pricing engine and AILA guideline assistant, quote-based for lenders and free for wholesale brokers on its Marketplace, with SOC 2 Type II posted.

For the processor's and assistant's guideline questions, Mortgage Guidelines AI posts Team pricing at $33/user/mo for 3-250 users, next to $49/mo for 1 user, with a live expert desk behind the chat. Guideline Buddy posts a free plan and Premium at $12/mo or $144/yr, with a Company plan quoted; its privacy policy says uploaded content may be used to train models unless you opt out, so read it before a processor uploads a file. Aithena Train, the practice-call module of the Insellerate CRM, runs AI borrowers that raise objections and gives managers coaching analytics, by quote.

The file: the processor's day

Maxwell Point of Sale is the one point of sale that lists mortgage teams; its AI-Powered Document Validation checks each borrower upload for legibility, password locks, document type, missing pages and files that need splitting, names Encompass, MeridianLink, Byte and Finastra on the LOS side and Optimal Blue, Polly and Mortech for pricing, and posts SOC 2 Type II. It is quote-based.

Three underwriting engines list teams, all quote-based and sold through the lender. Candor Loan Engineering System renders the decision, writes conditions into the file and backs each with a $25,000-per-loan defect warranty, with Encompass, MeridianLink and Byte named. Gateless Smart Underwrite underwrites each document on receipt against GSE and investor rules and clears what passes, with the companion VeriClear module calculating income. Indecomm DecisionGenius shows which guideline, data point and document each condition came from and writes conditions back to Encompass and MeridianLink. For a processor, these are the tools that change the needs list from a phone call into a file event.

Past clients and partners

Homebot posts Starter $125/mo + $100 setup, Pro $225/mo and Unlimited $300/mo, with one agent co-sponsorship included and extra co-sponsored agents at $25/mo each, which is how a team's assistant keeps the partner list warm; Total Expert, Follow Up Boss and Salesforce are named and SOC 2 Type II is posted. Fello posts $499/mo for 3,000 active contacts ($415/mo annual) with Felix, its AI teammate for 1:1 follow-up, as an add-on. MMI sells an Individual & Team plan for teams of ten or fewer LOs with ChatMMI for finding the agents who close the most purchase loans, and MonitorBase monitors the book for refinance signals; both are quote-based.

For the team's content, Sendible posts a flat $169/mo (annual) with unlimited users, approval workflows and Dynamic Fields that drop each LO's NMLS ID into posts. BombBomb posts $42/user/mo ($36/user/mo annual) and Core + Copilot at $70/user/mo ($56/user/mo annual). Evocalize runs programs with a media budget typically $49–$499/mo. MAXA Mortgage Platform posts $15,000/yr baseline ($1,250/mo) + $240/user/yr + $5,000 implementation for brand-locked, co-branded templates with a compliance-approval step. rebel iQ AI posts a free Launch plan and Starter at $29/mo for landing pages and realtor partner pages, and LenderHomePage posts Team plans from $349/mo (annual). Automate the Journey AI Video Editor turns one recording into two reels, first two free and then by quote. Experience.com publishes borrower reviews to each LO's profile with a free profile and paid plans by quote.

The compliance line

With several people texting and calling under one producer's NMLS, the consent record matters more, not less. On this list, TCPA or consent statements are posted by Pitchit, LoanOfficer.ai, Ringlyn, Thoughtly, Evocalize, rebel iQ AI and Fello; BNTouch states FCC-compliant consent capture on every lead form; Structurely names A2P registration. SOC 2 is posted by Pitchit, Bland, Synthflow, Total Expert, Aidium, MortgageCoach, Lender Price, Maxwell, Gateless, Homebot, BombBomb, LenderHomePage and Experience.com. For Empower LO, Insellerate, Bonzo, Aithena Train, Candor, Indecomm, MMI, MonitorBase, Sendible, MAXA, Automate the Journey, Guideline Buddy and Mortgage Guidelines AI, no TCPA or borrower-data statement is posted on the site, so ask before you buy.

What to do first

• Count seats honestly: the LO, the processor, the assistant and anyone who will log in. BNTouch, LeadMailbox and Bonzo price per seat; LoanOfficer.ai and Sendible price per plan.
• Decide which person owns each tool. The receptionist and the lead responder belong to the LO's phone; the document validation and condition tools belong to the processor's queue.
• Test the free tiers with the whole team: Pitchit, Guideline Buddy, rebel iQ AI and Evocalize post one.
• Match "Works with" to the LOS the team already uses before any demo, and ask to see the condition write-back live.
• Prices here were read on October 31, 2026. More tools that name mortgage teams are in the list below this guide.

Quick answers

Which mortgage CRMs post a per-seat price for a team?

BNTouch posts $95/user/mo for 2–10 users, LeadMailbox $50/seat/mo and $75/seat/mo, Bonzo $150/seat/mo (Solo), and LoanOfficer.ai Team $397/mo (5 seats).

What does AI lead follow-up cost a mortgage team?

Structurely posts a quote-based platform fee with usage from $0.07/minute voice and $0.02/message SMS. Empower LO posts Teams from $497/mo. Pitchit posts Growth at $349/mo for 1,000 conversations. LoanWick posts Essential from $49/mo for 50 new and 250 active leads a month, with every loan officer included.

Which document and underwriting tools list mortgage teams?

Maxwell Point of Sale, Candor Loan Engineering System, Gateless Smart Underwrite and Indecomm DecisionGenius; all four are quote-based.

Is there a guideline assistant with team pricing?

Mortgage Guidelines AI posts Team at $33/user/mo for 3-250 users. Guideline Buddy posts a free plan and Premium at $12/mo, with a Company plan quoted.

Which team tools post a TCPA statement?

Pitchit ($149/mo Starter), LoanOfficer.ai ($197/mo), Ringlyn ($49/mo), Thoughtly (quote-based), Evocalize (free account) and Fello ($499/mo) post TCPA or consent statements on their own sites.

Not sure which fits your business? Get help choosing.

26 of these 36 tools name mortgage teams (an LO with processors and assistants) outright on their own site; the rest sell to mortgage professionals generally and are included because they work for mortgage teams too. 23 post a starting price.